Disklavier

Hi, George,
 
In my case, I teach at the university, do not teach on my home  instruments.
 
Yes, homeowners will cover BUT my homeowners will cover water falling  
(broken pipe or (I guess) leak in the roof) it will NOT cover water rising  
(flooding). I live by a creek.  ;-(
 
At the time I looked at all the perils covered, and elected to go  with  a 
rider. There is no deductible, which I suppose is not that big of a  deal, 
but in the event that I get a flood, I may be homeless but I will have a  
disklavier!
 
;-)
 
The agent at the new company I am going with said it does not cover wear  
and tear (duh) and does not cover things like critters chewing or  nesting. 
Hmmmm. Someone must have put in a claim for mousees peeing on their  
soundboard. 
 
OH, and it does not cover (as homeowners does not either, noocleeyur  
attack, act of wore, if the us bombs me by mistake, since I read  too many  
conspeeracee sites... I guess that includes a drone attack. ......since this  
email will sit in utah for decades............ I spell funny
 
Besides flooding there is no peril I can think of that could happen, if  
they steal that sucker good luck getting out with no one seeing you it is 
heavy,  lol.
 
But in the event that there is an "iffy" peril - maybe rain that comes in  
through the roof, and a "little" water rising (I am ground level by the 
creek),  but the water rising is not "deep" but the water FALLING appears to 
damage the  piano, as it starts "rising" from "falling", I will NOT have to 
worry about the  insurance quibbling whether it was the falling or rising water 
that damaged  it.
 
;-)
 
<<Good evening, everyone.

Wanda, there is one other thing for  some of us to consider.Both you and I 
are professional musicians. I was told by  my independent agent many years 
ago that I needed a business policy to cover my  professional gear, including 
my pianos. They said that my normal home owners  insurance would cover my 
pianos if I did not use them for business, but since I  use them for 
business, they would have to be covered by a business insurance  policy.

Regards,
PianoBench>>